Be scam aware. We’ll never ask you for your Internet banking password, nor will we ever ask you to move money to another Community First account or other financial institution. If you’re ever unsure, call us back on the number published on our website. If you’re asked to open an account at another financial institution, do not proceed.

CAPE products no longer offered

Deposit products

Target Savings (specified savings) account

0.00% p.a.^ - Up to $999

0.10% p.a.^ - $1,000-$4,999

0.20% p.a.^ - $5,000 and over

NBCU products no longer offered

Loan products

Interest Only

Interest rate and comparison rate available on request. 

Overdraft/Visa

14.45% p.a.* Interest rate

Deposit products

nextStep Saver (S20)

0.60% p.a.^ All balances

Visa (S75)

Nil interest

Community First products no longer offered

Loan products

Variable Personal Loan

11.99% p.a.* Interest rate

12.28% p.a.^^ Comparison rate

Savings products

Money Market Account

0.05% p.a. 1 - Balance up to $9,999
0.25% p.a. 1 - Balance $10,000 - $99,999
0.50% p.a. 1 - Balance $100,000+

Matrimoney Account

1.50% p.a. 1 - All balances

Credit card products no longer offered

Low Rate Credit Card

S31 Low Rate Credit Card

Variable interest rate on retail purchases, cash advances and balance transfers - 13.99% p.a. 2

S32 Low Rate Credit Card

Variable interest rate on retail purchases, cash advances and balance transfers - 12.00% p.a. 2

S33 Low Rate Credit Card

Variable interest rate on retail purchases, cash advances and balance transfers - 11.99% p.a. 2

S34 Low Rate Credit Card

Variable interest rate on retail purchases, cash advances and balance transfers - 13.00% p.a. 2

S35 Low Rate Credit Card

Variable interest rate on retail purchases, cash advances and balance transfers - 12.99% p.a. 2

S36 Low Rate Credit Card

Variable interest rate on retail purchases, cash advances and balance transfers - 12.50% p.a. 2

S52 Low Rate Credit Card

Variable interest rate on retail purchases, cash advances and balance transfers - 9.25% p.a. 2

Fees and charges

For details or more information about our home loan fees and charges, please refer to our current fees and charges schedule.

Fees and charges

Credit eligibility criteria, terms and conditions, fees and charges apply. 

*Rates are effective as at 16/03/22 and subject to change without notice. 

**The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. ^^The comparison rate is based on a loan amount of $30,000 over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 

^Rates are effective as at 20/08/20 and subject to change without notice.  

1 Rates are effective as at 14/02/23 and subject to change without notice.  

2 Rates are effective as at 01/05/2024 and subject to change without notice.  

This information on this website is general advice only and does not take into account your objectives, financial situation or needs (your "personal circumstances"). Before deciding whether to buy any product on this website you should consider your personal circumstances. You should read and consider the Terms and Conditions when deciding to use any product (terms and conditions, fees and charges may apply). Our product Conditions of Use are available on this website.

Call us today on

1300 13 22 77

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Community First Credit Union LimitedABN 80 087 649 938 | Operating as Community First Bank | AFSL and Australian credit licence 231204| BSB 512-170